Citibank Double Cash - Denied

[imaximous]

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@JR_TX wrote:

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@imaximous wrote:

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@JR_TX wrote:

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@keny01998 wrote:

Citi bank do not approve any of their prime cards if you have BK7 or 13 on your reports. The computer will automatically reject your application after it run the report. Analyst can't do anything even when you call in. Info from my friend who works for Citi Bank.

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Citi Aadvantage WEMC though co-branded in my opinion is still one of their prime cards and I got approved for one 7 yr post BK7 and they’re IIB. 

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Citi-AAdvantage-Finally-in-after-citi-IIB-BK7...

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Yes, I also got the AA and Costco cards after 7 yrs, but maybe that applies to their core cards like DC, Premier, Prestige, etc.?

The co-branded cards may have a lower UW standard since there's push from the partners to get people approved. Who knows... 

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You might have a point as far as the UW standard for their core or legacy cards in terms of approval though there’s not enough DP (if there’s even one) to substantiate it? Though just a little DP on the side, I just spoke with their CSR last Friday and asked about PC’ing my Aadvantage to DC and they told me to call back next month after my 1 yr card anniversary and they’d gladly do it. So easy route might be thru co-branded then PC after 1 year if such a case exist and the CSR not lying/mistaken?  

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This is a great way to do it even if you can get the DC right off the bat. I've only seen small SUBs for the DC or none at all, so might as well pick up a bunch of miles first, and then PC it.

I've read several DPs regarding conversions to DC from AA, so that shouldn't be a problem.

[sjt]

Any updates?

[mrjerry]

denied for the card. was told to reapply after 7 year post BK, which will be april of 2019.

[sjt]

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@mrjerry wrote:

denied for the card. was told to reapply after 7 year post BK, which will be april of 2019.

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Thanks for the update. This DP confirms that Citi policy hasnt changed.